12 Benefits of De-Cluttering Our Time, Money and Love, and “Keeping It Simple”

Thought for today: We find freedom when we “live within our means”, as the Third DA Promise recommends, “yet our means will not define us.”  DA experience proves that this is not only possible, but likely! But what does “living within our means” really mean?  And how can it benefit us? “Living within our means” can mean many things, but letting go of […]

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Writing Our Own Business Agreements (BDA Tool 8)

Thought for today: Many of us in business for ourselves have used verbal or handshake agreements, only to find out later that the other person had a totally different idea of what we meant.  Without a signed document, we left too much room for misinterpretation. Other times we let the other person write our agreements for us.  This left […]

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Creating a Spending Plan That Works For Us

Thought for today: A Spending Plan* is not a budget.  It is a tool to avoid vagueness around our expenses.  If our disease tells us that we want to avoid knowing where our money is going, our Spending Plan offers clarity.  It is the antidote to financial vagueness. A member shares: “Before DA, I kept wonder, “Where is it going? I […]

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Am I Grateful?

Thought for today: Father Martin, a very public advocate of the Twelve Steps, once said that “Gratitude is the one coin with which you can buy God.”   How could he say that? His talks described how gratitude heals.  Gratitude helps our recovery grow. If we are grateful, we have no capacity for hatred.  We set aside old wounds, not in […]

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Why Is Pride A “Defect of Character”?

Thought for today: When a person first attends a DA meeting, they may hear the concept in studying the Twelve Steps that Pride is a defect of character.  How can Pride be a that? A newcomer asks: “How can Pride be bad?  Isn’t it a good thing – pride of country, being proud of my accomplishments, being proud of […]

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Do-It-Yourself Debt Repayment Planning

Thought for today: Debt consolidation companies have been known to charge up to an extra 60% of a person’s total debt, on top of an interest rate sometimes 7 percentage points or more above prime.  How are they able to charge such exorbitant fees? Fear of talking with creditors is the main reason these businesses […]

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An Underearner’s Turnaround

Thought for today: After the housing bubble burst, many homes were worth less than the money owed on them to the bank.  In that market, many people sold at a loss, or simply walked away from their properties. DA helped us change the patterns of behavior that had led to unnecessary risk taking around money.  Once we accepted the […]

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Sober Money

Thought for today: If we are underearners, we can’t harbor jealousy of people who seem to have more than us.  It can lead to anger and resentment, and we’ll seek to place blame.  If we can avoid it, we’ll find answers that fear kept hidden… A member shares: “My spending habits were out of control.  I had a warped attitude around […]

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Overcoming Underearning

Thought for today: Underearning is a frustrating situation.  Unemployment is a dramatic form, and it is   exasperating.  Underemployment is ego-deflating.   Not earning enough to make ends meet feels demoralizing.  Some underearners even self-sabotage without realizing it. Underearners have two main fronts before them in their campaign to improve income.  First, their perspective usually needs to expand.  For example, they need to […]

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Inventories Help Us Improve

Thought for today: Performing an occasional inventory is important for any business.  Businesses take stock of items on hand.  Owners decide what is salable, what to mark down, and what to give away or discard. Inventories are systematic.  They are not haphazard.  They are thorough and fearless. A good inventory is more intellect than emotion. Business of all sizes perform […]

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